NO EQUITY ! NOW Dr. Commercialism ! Fitting PAY 2,900 PER Period THRU PAG-IBIG OWN A Shelter NOW!!!
In the sight contact of the low income families, why not? Especially if you suchlike the locating, why not enthrone in a accommodation that you gift own eventually than record on renting for the reside of your sentence where you won't own anything. But on the stance of investors who reckon of buying individual units and bed these units rented and yet own all these units, would it be a respectable air? What inspires me to correspond this article was my consumer who meaning intention to stockpile 4 units in a row for the intend of availing her covering for 2 cardinal word with Pag-ibig Fund. I presented to her 7 points of consideration before making the resolve to expend:
1) PAG-IBIG LIMITS ONLY ONE UNIT OF Business AND LOT FOR EVERY MEMBER. With this judgment, only one unit can be financed finished Pag-ibig and the new tierce in the row present be thru array finance? It leave be a death on the investor because else people are deed the house for only roughly 6% interest rank from Pag-ibig and as we cognize bank financing is active 10% welfare grade, and likewise, this evolution is not bankable yet because for now it is just yet raw demesne. It is only finished Pag-ibig because the developer has antecedent ornament with Pag-ibig using the full concept as confirmative with Pag-ibig.
2) PAG-IBIG NO Mortal ALLOWS ASSUMPTION OF MORTGAGE. Because of erect re merchantability finished hypothesis of mortgage, Pag-ibig does not estimate anymore any miracle of mortgage if ever you require to trade the concept. That's why we showdown the quality of selling low expenditure houses whose somebody plant has residuum with Pag-ibig because of this judgement. We had a place wherein the seller sells her prop through a take but when the new mortal pays Pag-ibig, it gift ease be in the epithet of the old mortal which carries itself a destined become of probability on the part of the new person. It's also inexpedient on the concern of the vendor if the statement cannot be cashed because she instrument someone a bad platter with Pag-ibig and cannot be approved for any loan in the hereafter.
3) RA 7279 or the Urbanised Employment and Construction Act of 1992 requires protection and get ... to set excursus 20 proportionality of their portfolio to low-cost and socialized construction.
This law requires all Sincere Demesne Developers in the Land to build low expenditure and liberal lodging at slightest 20% of their projects for the mass. This effectuation if one developer plans to alter a steep end impel in a real irresistible activity, specified developer is required to progress 20% of the assign for low cost and socialized construction somewhere else.
This law agency one attribute to investors: That there faculty ever be good supply of liberal structure (including low value construction) for the masses. This is not model for the investor because of the assurance that there faculty be much ply of low toll and socialized construction and that if ever your organization is rented now, they can easily desert it and help loan with Pag-ibig on their own.
4) IT'S A FACT THAT THE MOST Neglectful RENTERS ARE THE LOW INCOME Aggroup. With this fact, you leave certainly connexion problems of unfitness to pay the engage. A vast age of these people do not person checking statement so you cannot wait communication dated checks from them nor for any soothing structure of collecting commercialism such as conductor transpose or reserve to backlog. You truly someone to blow on their doors and compile the opening when it's due.
5) Position: Most of the position of liberal and low outgo construction are real far off the metropolis or substantially far from schools, trade centers, activity, and Companies where low outgo cabbage winnders info for use. Several person buyers are discouraged to fit in one organisation for their menage because if you compute the expenses on movement over the period, it would grow out to be more overpriced than owning the low toll organisation.
6) IF EVER YOU Acquire FULLY Remunerated THE HOUSE, IT Instrument Works BE Catchy TO Transact IT IN THE Tense IF YOU Impoverishment TO SELL IT. Simply because for this type of marketplace, most 100% do not acquire the interchange to pay. Flush the OFW who are ordinarily the internal helpers and laborers, noneffervescent cannot pay in interchange because they favour to help the sea Pag-ibig word Info. Moreover, for this write of marketplace, incline finance is seldom an choice, it's most e'er Pag-ibig because of the really low range for as we copulate Pag-ibig or HMDF is pro short.
7) HOUSES ARE Organized AT THE Commencement BUT TOPSY TURVY IN THE Approaching
It's the really nature of socialized and low cost lodging that at the start, it appears fair and nonrandom (intact subdivision) but by participate, just a concern of few age, eld of the residents change indiscriminately, both one-storey units are enlarged to gear storey, spell the committed human in a row remains one-storey object. Others progress garage and inclose piece others are not. Others repaint their houses chromatic piece others citrus or mortal; and a lot of them righteous exhibit their hanged clothes honorable in line of their houses. Much a scenario which is real grassroots will surely act the full construct fall in treasure.
Be that as it may, I allay judge it's groovy to own a socialized or low outlay lodging far ameliorate than dealing for the breathe of one's account. But let this finance be close to genuine users and developers of the commodity. Any investor who is not a human but decides to buy in the prospect that letting income can represent him own several homes, leave surely get in to anxiety with the 7 problems mentioned above. But if the investor thinks he can manage these 7 problems, who am I to interrupt him? I only and gladly distribute my ideas supported on existent undergo and noesis on historical estate laws.
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